This premier multi-level 5-bedroom, 4-bath lakefront retreat with a rare 3-car garage is tucked in a quiet cove at the 36MM -ideal as a primary residence, vacation home, or high-capacity short term rental(STR), with only one neighboring home & NO HOA! Set on a 1.45-acre lot with ample parking and space to create more, its location on the "Quiet Side" of Lake of the Ozarks is unbeatable: just minutes by water to hotspots like Capt. Ron's, The Cave Bar, & Bear Bottoms, and a quick drive to shopping, Ozark Amphitheater, & Ha Ha Tonka State Park. The main level is built for entertaining with a chef's kitchen, formal dining, living room, billiards room, and deck overlooking 195' of prime lakefront. The middle-floor primary suite features a 3-sided propane fireplace, walk-in closet, & spa-like bath. Upstairs there's 3 more bedrooms & a full bath, while the walkout lower level features a large family room, kitchen, 3/4 bath, & a bedroom large enough for 2 king beds. Outside, enjoy your ultimate lake setup: a covered dock with 10x28 slip, wet steps, double PWC lift, & dock shed, plus a whole-house backup generator & fresh water tank! This versatile home is ready for turn-key lake living!